Any cloud computer data systems users. What I dont get, if the cloud, is basically a remote server on a remote desert island, and you have your companies Payroll, HR, and business transactions tied up there....what about connection errors, issues. You cant walk down the hall and tell them to do this, or that, and if your have a internet connection error., oops, no one gets paid. Also, those are vanilla packages, so what about special functions or reporting you may require... Two steps ahead (no capital investment), but, five steps back??? thoughts..